Meet Warren 3.0

Key Features

• •Voice conversation startup: Start with a natural voice conversation to share your financial details without typing or linking bank accounts. This makes setting up your plan fast, private, and accessible, even if you're not comfortable with spreadsheets.
• •UK-specific knowledge base: Warren draws from over 7,700 UK regulation facts sourced directly from gov.uk. This ensures that every projection regarding tax, pensions, ISAs, and benefits is grounded in actual rules, unlike generic chatbots that may provide inaccurate information for UK residents.
• •Deterministic cashflow engine: At the core of your plan is a deterministic financial engine that runs scenarios based on your inputs. You get concrete numbers for retirement income, mortgage payoff timelines, investment growth, and net worth projections, giving you clear, actionable data.
• •Background monitoring and alerts: Warren continuously checks your plan context and surfaces important changes, such as new salary sacrifice rules or the impact of dividend tax changes. This keeps your plan current without requiring you to manually track financial news.
• •Goal tracking with monthly priorities: Set specific goals like retiring at age 60 or buying a home in 2027. Warren tracks progress against a timeline, shows comparison with a 'Do Nothing' scenario, and provides monthly priorities such as confirming pension allowances or locking mortgage rates.
• •File uploads for precision (Pro): Upload workplace pension summaries, ISA portfolio statements, or mortgage redemption documents. Warren incorporates this real data to sharpen your plan, offering more accurate modelling for users on the Pro plan.
• •Family workspace: Model finances for multiple household members, including legal partners and dependent children. Share access so that everyone involved can view the plan and collaborate on decisions like retirement income and savings goals.
• •No bank account linking required: You control what information to share—Warren never requires you to connect bank accounts. This ensures your privacy is protected while still delivering a comprehensive financial plan.

Use Cases

• •Retirement planning: David and Rachel use Warren to plan for retirement at age 60 with a target income of £55,000 per year. The plan shows a projected net worth increase of roughly £180,000 compared to doing nothing, tracks mortgage clearance in 2028, and provides tips on pension contributions and mortgage payoff.
• •Home purchase: Maya aims to buy a £350,000–£400,000 home by 2027 while building a £45,000 savings goal. Warren generates a timeline with milestones like securing a mortgage offer within two weeks and ring-fencing house funds in cash, giving Maya clear steps to reach her goal.
• •Emergency fund building: A user asks 'How do I build a 6-month emergency fund?' Warren calculates the required monthly savings based on their income and expenses, sets a target date, and tracks progress as part of the overall financial plan, ensuring they have a safety net.
• •Career change evaluation: A user wondering 'Can I afford to go part-time after having a baby?' or 'What if I lose my job?' uses Warren to run what-if scenarios. The tool models changes in income and expenses, showing the impact on net worth and savings duration, helping the user make an informed decision.
• •Mortgage vs. investing comparison: The question 'Should I overpay my mortgage or invest?' is common. Warren models both strategies over the long term, comparing net worth outcomes and considering factors like interest rates and investment returns, allowing the user to choose the best path.
• •Student loan payoff: When a user asks 'When can I pay off my student loan?' Warren estimates the payoff timeline based on their income, payment plan, and interest rate, integrating this goal into the broader financial model to show how it affects other objectives.

Who is this for?

Meet Warren is built for UK residents who want a clearer picture of their finances without spending hours building complex spreadsheets or researching financial rules. It serves individuals just starting their financial journey, mid-career professionals evaluating major decisions like home buying, career breaks, or retirement, and late-career professionals fine-tuning their retirement plans. Families who need to collaboratively plan household finances—including legal partners and dependents—will also benefit. Warren is particularly valuable for those who feel overwhelmed by generic advice or budgeting apps and prefer a conversational, private tool that never requires linking bank accounts. The platform welcomes users with no prior financial knowledge, as Warren asks questions in plain English and builds financial literacy over time.